Utah Power Federally Insured State-Chartered Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Utah Power Federally Insured State-Chartered Credit Union 2007 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Utah Power Federally Insured State-Chartered Credit Union 957 E 6600 S Salt Lake City, UT 84117 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 277 |
| Total Mortgage Loan Application Amount | $32,199,000 |
| Average Mortgage Loan Application Amount | $122,666 |
| Highest Mortgage Loan Application Amount | $471,000 |
| Average Applicant Income | $78,666 |
| Highest Applicant Income | $214,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 with Utah Power Federally Insured State-Chartered Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Utah Power Federally Insured State-Chartered Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2007 breaks down Utah Power Federally Insured State-Chartered Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Utah Power Federally Insured State-Chartered Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Utah Power Federally Insured State-Chartered Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Utah Power Federally Insured State-Chartered Credit Union's mortgage activity for 2007.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Salt Lake County Utah | 71 | $ 7,666,000 | $ 107,000 | $ 82,000 |
| Davis County Utah | 35 | $ 4,065,000 | $ 116,000 | $ 89,000 |
| Emery County Utah | 28 | $ 2,329,000 | $ 83,000 | $ 68,000 |
| Utah County Utah | 23 | $ 2,517,000 | $ 109,000 | $ 67,000 |
| Carbon County Utah | 14 | $ 1,366,000 | $ 97,000 | $ 72,000 |
| Sweetwater County Wyoming | 11 | $ 959,000 | $ 87,000 | $ 75,000 |
| Tooele County Utah | 8 | $ 1,146,000 | $ 143,000 | $ 78,000 |
| Uinta County Wyoming | 8 | $ 704,000 | $ 88,000 | $ 80,000 |
| Summit County Utah | 6 | $ 667,000 | $ 111,000 | $ 114,000 |
| Washington County Utah | 6 | $ 1,210,000 | $ 201,000 | $ 72,000 |
| Weber County Utah | 6 | $ 1,046,000 | $ 174,000 | $ 67,000 |
| Sanpete County Utah | 5 | $ 294,000 | $ 58,000 | $ 65,000 |
| Washington County Oregon | 4 | $ 897,000 | $ 224,000 | $ 51,000 |
| Lincoln County Wyoming | 4 | $ 376,000 | $ 94,000 | $ 99,000 |
| Bonneville County Idaho | 3 | $ 303,000 | $ 101,000 | $ 60,000 |
| Franklin County Idaho | 3 | $ 605,000 | $ 201,000 | $ 75,000 |
| Converse County Wyoming | 3 | $ 257,000 | $ 85,000 | $ 95,000 |
| Natrona County Wyoming | 3 | $ 426,000 | $ 142,000 | $ 99,000 |
| Madison County Idaho | 2 | $ 304,000 | $ 152,000 | $ 112,000 |
| Clark County Nevada | 2 | $ 379,000 | $ 189,000 | $ 163,000 |
| Klamath County Oregon | 2 | $ 102,000 | $ 51,000 | $ 95,000 |
| Beaver County Utah | 2 | $ 170,000 | $ 85,000 | $ 60,000 |
| Juab County Utah | 2 | $ 284,000 | $ 142,000 | $ 106,000 |
| Anchorage County Alaska | 1 | $ 405,000 | $ 405,000 | $ 110,000 |
| Skagway-Hoonah-Angoon County Alaska | 1 | $ 160,000 | $ 160,000 | $ 85,000 |
| Maricopa County Arizona | 1 | $ 215,000 | $ 215,000 | $ 51,000 |
| Pima County Arizona | 1 | $ 157,000 | $ 157,000 | $ 73,000 |
| Yavapai County Arizona | 1 | $ 171,000 | $ 171,000 | $ 71,000 |
| El Paso County Colorado | 1 | $ 267,000 | $ 267,000 | $ 132,000 |
| Mesa County Colorado | 1 | $ 10,000 | $ 10,000 | $ 70,000 |
| Cobb County Georgia | 1 | $ 240,000 | $ 240,000 | $ 135,000 |
| DeKalb County Georgia | 1 | $ 60,000 | $ 60,000 | $ 46,000 |
| Bannock County Idaho | 1 | $ 210,000 | $ 210,000 | $ 94,000 |
| Fremont County Idaho | 1 | $ 51,000 | $ 51,000 | $ 51,000 |
| Rock Island County Illinois | 1 | $ 130,000 | $ 130,000 | $ 49,000 |
| St. Louis County Missouri | 1 | $ 60,000 | $ 60,000 | $ 120,000 |
| Washoe County Nevada | 1 | $ 250,000 | $ 250,000 | $ 120,000 |
| Benton County Oregon | 1 | $ 238,000 | $ 238,000 | $ 117,000 |
| Lubbock County Texas | 1 | $ 93,000 | $ 93,000 | $ 70,000 |
| Box Elder County Utah | 1 | $ 190,000 | $ 190,000 | $ 63,000 |
| Cache County Utah | 1 | $ 141,000 | $ 141,000 | $ 48,000 |
| Grand County Utah | 1 | $ 234,000 | $ 234,000 | $ 110,000 |
| Iron County Utah | 1 | $ 199,000 | $ 199,000 | $ 54,000 |
| Clark County Washington | 1 | $ 139,000 | $ 139,000 | $ 37,000 |
| Campbell County Wyoming | 1 | $ 37,000 | $ 37,000 | $ 75,000 |
| Carbon County Wyoming | 1 | $ 120,000 | $ 120,000 | $ 43,000 |
| Fremont County Wyoming | 1 | $ 56,000 | $ 56,000 | $ 48,000 |
| Johnson County Wyoming | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Park County Wyoming | 1 | $ 139,000 | $ 139,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Utah Power Federally Insured State-Chartered Credit Union in 2007
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 108 | $4,404,000 | $40,000 | $267,000 | $81,000 | $214,000 |
| Refinancing | 85 | $13,222,000 | $155,000 | $376,000 | $82,000 | $187,000 |
| Home Purchase | 84 | $14,573,000 | $173,000 | $471,000 | $73,000 | $188,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 207 | $25,894,000 | $125,000 | $471,000 | $79,000 | $188,000 |
| Not Provided | 66 | $5,794,000 | $87,000 | $317,000 | $78,000 | $214,000 |
| Hispanic | 3 | $479,000 | $159,000 | $299,000 | $78,000 | $98,000 |
| Asian | 1 | $32,000 | $32,000 | $32,000 | $118,000 | $118,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 277 | $32,199,000 | $116,000 | $471,000 | $79,000 | $214,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 260 | $30,159,000 | $115,000 | $471,000 | $81,000 | $214,000 |
| Application Withdrawn By Applicant | 7 | $1,325,000 | $189,000 | $382,000 | $51,000 | $85,000 |
| Application Approved But Not Accepted | 5 | $289,000 | $57,000 | $95,000 | $49,000 | $75,000 |
| Application Denied By Financial Institution | 5 | $426,000 | $85,000 | $162,000 | $56,000 | $83,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $86,000 | $43,000 | $70,000 | $39,000 | $47,000 |
| Collateral | 1 | $20,000 | $20,000 | $20,000 | $46,000 | $46,000 |
| Other | 1 | $162,000 | $162,000 | $162,000 | $73,000 | $73,000 |
| Credit History | 1 | $158,000 | $158,000 | $158,000 | $83,000 | $83,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Utah Power Federally Insured State-Chartered Credit Union's 2007 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Utah Power Federally Insured State-Chartered Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Utah, download the full spreadsheet
with aggregated HMDA statistics today.